Atlantic Union Bankshares Corporation (AUB)
NYSE:AUB
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Earnings Data
Report Date
Jul 23, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.91Last Year’s EPS
0.95Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasizes disciplined execution, completion of the Sandy Spring integration, strong adjusted operating profitability (ROTCE 19.6%, adjusted ROA 1.41%), robust pipelines (record equipment finance and NC CRE production) and solid credit and capital metrics. Key near-term challenges highlighted include volatility in accretion income that pressured reported NIM (down 11 bps), deposit competition driving marginal deposit rates higher, one-time acquisition measurement adjustments, and elevated late-quarter CRE payoffs. Management provided constructive 2026 guidance (loans $29B–$30B, deposits $31B–$32B, NIM 3.90%–4.00%) and expects to have capital to support buybacks later in the year. On balance, positive operating performance, capital strength and clear guidance/plan outweigh the transitory and interest-rate/acceleration-driven headwinds.Company Guidance
Successful Integration of Sandy Spring and Completed Measurement Period
Integration of Sandy Spring Bank concluded; final goodwill set at $541 million and the 1-year acquisition measurement period closed as of March 31, removing further expected merger-related costs going forward.
Strong Adjusted Operating Profitability
Adjusted operating earnings available to common shareholders of $126.2 million ($0.89 per share) for Q1; adjusted operating return on tangible common equity 19.6%, adjusted operating ROA 1.41% and adjusted operating efficiency ratio 49.9%.
Loan Growth and Robust Pipeline
Total loans held for investment of $27.9 billion; quarterly loan growth approximately 2.2% annualized (with a noted 5.9% annualized average over the quarter) and management reports materially higher loan pipelines, with construction & development pipeline at a record high and strong equipment finance and NC commercial real estate production (record fundings/production).
Improving Core Net Interest Margin (Excluding Accretion)
Core (excluding accretion) net interest margin increased 4 basis points quarter-over-quarter to 3.45% (from 3.41%), driven primarily by lower deposit costs and ongoing repricing of the back book.
Strong Credit Metrics
First quarter annualized net charge-off ratio of 2 basis points; nonperforming assets fell 6 basis points to 0.36% of loans HFI; criticized and classified assets improved to 4.5% of total loans (from 4.7%). Total allowance for credit losses $321.9 million (ACL/loans ~115 bps).
Deposit Mix Improvement and Funding Flexibility
Customer interest-bearing deposits increased by $438.5 million while broker deposits declined $517.9 million (broker deposits now ~2% of total), reflecting lower reliance on high-cost broker funding and intentional funding strategy flexibility.
Capital, Dividend and Tangible Book Value Progress
Regulatory capital ratios comfortably above well-capitalized levels; tangible book value per share increased $0.24 (1%) to $19.93 despite AOCI headwinds; common dividend maintained at $0.37 per share (up 8.8% YoY).
Updated 2026 Outlook and Capital Actions
Updated full-year guidance: year-end loans $29B–$30B, deposits $31B–$32B, FTE net interest income $1.34B–$1.35B, NIM 3.90%–4.00%, noninterest income $220M–$230M, adjusted operating noninterest expense $742M–$752M; management expects to reach CET1 >10.5% and pursue buybacks (board approval pending) later in the year.
AUB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
AUB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 21, 2026 | $38.73 | $37.56 | -3.02% |
Jan 22, 2026 | $39.62 | $39.30 | -0.80% |
Sep 30, 2025 | $34.87 | $34.57 | -0.87% |
Jun 30, 2025 | $30.30 | $30.31 | +0.03% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Atlantic Union Bankshares Corporation (AUB) report earnings?
Atlantic Union Bankshares Corporation (AUB) is schdueled to report earning on Jul 23, 2026, Before Open (Confirmed).
What is Atlantic Union Bankshares Corporation (AUB) earnings time?
Atlantic Union Bankshares Corporation (AUB) earnings time is at Jul 23, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is AUB EPS forecast?
AUB EPS forecast for the fiscal quarter 2026 (Q2) is 0.91.